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VersaBank (NASDAQ:VBNK)
CA · Delayed Price · Currency is USD
Also listed: VBNK.TOFinancial Services · Banks - Regional
23.77-0.25 (-1.04%)
Market cap
$771M
Insider Score
Health Score
Analyst consensus
Listed since
Aug 27, 2021
Website
Insider Score
––Not scored
VBNK Insider Score
No insider has filed an open-market purchase or sale here in the last 90 days, so there is nothing to score yet.
Financial Health Score
Sound
From VBNK’s reported statements · Q3 2026 (trailing 12 months)
Profitability16 / 20
Keeps a healthy share of every dollar it sells.
- Revenue
- $288.6M
- Net income
- $33.9M
- Net margin
- 11.7%
Leverage20 / 20
Little or no net debt.
- Total debt
- $107.3M
- Cash
- $490.3M
- Net debt / EBITDA
- -7.16x
Liquidity0 / 20
Owes more within a year than it holds to pay it.
- Current assets
- $518.5M
- Current liabilities
- $5.91B
- Current ratio
- 0.09
Cash generation20 / 20
The business funds itself from operations.
- Operating cash flow
- $96.5M
- Free cash flow
- $90.4M
- FCF margin
- 31.3%
Dilution & runway20 / 20
Not funding itself by issuing shares.
- Shares outstanding
- 23.0M
- Share growth (1y)
- -28.9%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
VBNK Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Jul 31, 2026 | Apr 30, 2026 | Jan 31, 2026 | Oct 31, 2025 | Jul 31, 2025 | Apr 30, 2025 |
| Revenue | $39.04 M | $85.65 M | $83.98 M | $79.93 M | $75.79 M | $73.08 M |
| Revenue Growth (YoY) | -48.49 % | 17.19 % | 11.46 % | 5.70 % | 2.84 % | -0.57 % |
| Cost of Revenue | $52.73 M | $47.79 M | $48.11 M | $46.16 M | $45.39 M | $43.83 M |
| Gross Profit | $39.04 M | $37.85 M | $35.87 M | $33.77 M | $30.40 M | $29.25 M |
| SG&A Expense | $14.62 M | $13.08 M | $12.20 M | $23.87 M | $19.82 M | $15.88 M |
| R&D Expense | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Operating Expenses | $25.16 M | $27.48 M | $20.58 M | $23.87 M | $21.65 M | $17.52 M |
| Operating Income | $13.88 M | $10.38 M | $15.29 M | $9.90 M | $8.75 M | $11.73 M |
| Pretax Income | $13.88 M | $10.38 M | $15.29 M | $9.90 M | $8.75 M | $11.73 M |
| Tax Provision | $3.82 M | $2.85 M | $4.21 M | $4.70 M | $2.17 M | $3.21 M |
| Net Income | $10.06 M | $7.52 M | $11.09 M | $5.20 M | $6.58 M | $8.53 M |
| EPS (Basic) | $0.31 | $0.23 | $0.35 | $0.16 | $0.20 | $0.26 |
| EPS (Diluted) | $0.31 | $0.23 | $0.35 | $0.16 | $0.20 | $0.26 |
| Shares Outstanding | 23.01 M | 32.09 M | 23.46 M | 32.57 M | 32.37 M | 32.52 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.
Disclaimer — Informational only — not investment advice. Insider transaction data is sourced from SEC Form 4 filings; market data from public feeds and may be delayed. The Insider Score is a proprietary score for research purposes and does not predict future performance. Always do your own research.